If you are an employee of a company, who doesn't have a company pension plan or a group RRSP, then I would suggest you implement a savings plan similar to this and stick to it for life. If you can do that and you can invest patiently and wisely with someone you trust, it will work out just fine.

A few weeks ago I met with a potential client who had also just met with a brand new advisor who was recently licensed to sell mutual funds and insurance. This advisor was working for WFG and was working under the guidance of her “trainer.”